SAFT
Safety Insurance Group, Inc.
SAFT has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SAFT overall, supported by stronger valuation and stronger modeled upside.
SAFT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
SAFT's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SAFT.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
SAFT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $47.86 | -54% |
| Fair | 16x | $76.71 | -26% |
| Current | 22x | $104 | — |
| Expensive | 24x | $116 | +11% |
Historical ranges are pointers, not guarantees.
SAFT's PE is in its expensive range at 22x.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over SAFT in the historical PE scenario, which offers more potential upside but is not a forecast.
SAFT Forward outlook
There aren't enough analyst estimates for SAFT to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
SAFT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $4.78 | -19% |
| Q2 2026 | $4.64 | -19% |
| Q1 2026 | $4.23 | -14% |
| Q4 2025 | $6.70 | +40% |
| Q3 2025 | $5.90 | +17% |
| Q2 2025 | $5.72 | +65% |
| Q1 2025 | $4.90 | +41% |
| Q4 2024 | $4.78 | +273% |
SAFT's earnings per share have fallen from their peak: $4.78 over the past year, against $11.71 in early 2021.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
SAFT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $327.8M | +0.4% |
| Q2 2026 | $325.7M | +3% |
| Q1 2026 | $314.7M | +4.4% |
| Q4 2025 | $319.3M | +11% |
| Q3 2025 | $326.6M | +11% |
| Q2 2025 | $316.3M | +17% |
| Q1 2025 | $301.4M | +12% |
| Q4 2024 | $286.7M | +11% |
SAFT's revenue has grown year over year for 16 quarters in a row: $328M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +0.6 points |
| Q2 2026 | 13% | +1.8 points |
| Q1 2026 | -5.7% | -15 points |
| Q4 2025 | 8% | +4.4 points |
| Q3 2025 | 11% | -0.1 points |
| Q2 2025 | 12% | +3.8 points |
| Q1 2025 | 9.4% | -0.2 points |
| Q4 2024 | 3.5% | -2.6 points |
SAFT's operating margin was 12% last quarter, up 0.6 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over SAFT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over SAFT on profitability, with a higher operating margin.
SAFT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.7M | -34% |
| Q2 2026 | $37.7M | +17% |
| Q1 2026 | -$18.9M | -764% |
| Q4 2025 | $71.4M | +42% |
| Q3 2025 | $85.5M | +17% |
| Q2 2025 | $32.3M | +29% |
| Q1 2025 | $2.8M | +$27M |
| Q4 2024 | $50.3M | +45% |
SAFT has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
SAFT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +35.3K shares |
| 1 year | -1.3% | -185K shares |
| 3 years | -0.6% | -88.5K shares |
| 5 years | -3.2% | -486K shares |
| Available history | -4.9% | -744K shares |
SAFT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | $14.6M |
| Q4 2020 | — |
| Q3 2020 | $17.9M |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
SAFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.1x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.2x | Net Cash |
| Q3 2025 | -0.2x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
SAFT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SAFT.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over SAFT on leverage, with a lower net debt burden relative to earnings.
SAFT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 77.5 | Overbought |
| Stochastic | 81.8 | Overbought |
SAFT's weekly RSI is 77 (overbought) and its Stochastic is 82 (overbought).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
SAFT PE vs Financial Services Sector
| Metric | SAFT | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 13x | 68% above |
| PE % | 68 | 63 | 5 pts above |
SAFT has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
SAFT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $104.0 | 0.3% above |
| 20 week MA | $99.5 | 4.9% above |
| 50 week MA | $84.8 | 23% above |
| 100 week MA | $80.4 | 30% above |
| 200 week MA | $79.1 | 32% above |
SAFT has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
SAFT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $92.5 | $77.8 | -16% |
| 2021 | $77.8 | $82.1 | +5.5% |
| 2022 | $82.1 | $88.8 | +8.1% |
| 2023 | $88.8 | $76.0 | -14% |
| 2024 | $76.0 | $82.0 | +7.9% |
| 2025 | $82.0 | $78.4 | -4.3% |
| 2026 YTD | $78.4 | $104.3 | +33% |
SAFT has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.